Search found 3544 matches

by Rupert
Wed Sep 26, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 113
Views: 6163

Re: Fed up with health insurance situation

That's one incident where you could take the time to research it and there were multiple options (though as pointed out by another poster many immediate care places don't do stitches). 5% of the people use 50% of the healthcare mostly due to major health problems like heart disease, diabetes, etc. ...
by Rupert
Wed Sep 26, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 19
Views: 1088

Re: Does health insurance cover hearing aids

Did you know that the average person with known hearing loss waits seven years to get hearing aids? Nobody does that with eyeglasses. Sad. From the trade journal article below: "The majority of people with significant hearing loss and/or who have difficulty understanding speech in quiet or noise ap...
by Rupert
Wed Sep 26, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 42
Views: 4374

Re: Someone stole my check from the mail, changed the amount, and deposited it

The postal inspector said a lot of times the person that cashes the check isn’t the real criminal. The real criminal stays in the car, out of sight of the bank camera, and hires a homeless person to cash the checks. I’ve got to admit, if that’s the case, I’d have a hard time testifying and potentia...
by Rupert
Tue Sep 25, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2063

Re: Flu shot reaction? Getting flu shot this year?

There is a flu vaccine (quadrivalent vaccine) that offers more protection. It is costlier than the single vaccine flu shot. It was $75 at Publix, single vaccine was $25. However, all the info I see says that it is a Medicare approved vaccine, and would be covered. I contacted my insurance, and they...
by Rupert
Tue Sep 25, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 113
Views: 6163

Re: Fed up with health insurance situation

It's a classic "commons dilemma," where people's short-term selfish interests (low insurance premiums) are at odds with long-term group interests and the common good (having an ACA-like health insurance option available for everyone who needs it). What you describe is not really a commons dilemma, ...
by Rupert
Tue Sep 25, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2063

Re: Flu shot reaction? Getting flu shot this year?

Impossible to get the flu with the shot, you might have some side effects but it is not the flu. Never reacted, get yearly. Incorrect.....the shot protects from strains selected based on past outbreaks. A strain not covered from the flu shot can occur. Just last year was a classic example, with the...
by Rupert
Tue Sep 25, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2063

Re: Flu shot reaction? Getting flu shot this year?

I would probably avoid the flu shot too if I had developed polymyalgia rheumatica in response to a shot in the past. But that makes herd immunity all the more important for you, doesn't it? You should be encouraging the rest of us to get our shots. For what it's worth, my pharmacist said people have...
by Rupert
Tue Sep 25, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 113
Views: 6163

Re: Fed up with health insurance situation

It's actually a myth that Americans see doctors more often than citizens of comparably-developed countries. Americans do receive more tests, some of arguable utility, but that's not entirely a consumer problem, i.e., the patients aren't ordering their own tests.
by Rupert
Tue Sep 25, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 113
Views: 6163

Re: Fed up with health insurance situation

I'm also aware that there's a 99.999% chance that I won't need a kidney transplant or have a heart attack and I'm not going to give up 25% of my income to cover that 0.001% chance that I do. Even 10% of my income would be too high. 5% would be more like it. I'm genuinely curious: Why are you so cer...
by Rupert
Tue Sep 25, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 48
Views: 5043

Re: Losing Passion for Hobbies. Cheap or normal aging?

There was a thread here recently about someone having an "early-mid-life crisis" in their thirties. Perhaps you should search for that thread. Personally, I think it's completely normal. Priorities do tend to shift in our fourth decade. You're still young, but your youth has ended. It's make or brea...
by Rupert
Tue Sep 25, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: One ear weak, one good: Get hearing aid? 91-year old
Replies: 8
Views: 564

Re: One ear weak, one good: Get hearing aid? 91-year old

Does she think she's going deaf in only one ear, or has an ENT or audiologist made that diagnosis? If the former, then seeing an ENT should be the top priority followed by a visit to an audiologist for proper diagnosis. She might find that she's actually going deaf in both ears, but one is just slig...
by Rupert
Tue Sep 25, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 42
Views: 4374

Re: Someone stole my check from the mail, changed the amount, and deposited it

The check may have been stolen from the post office box, but it may also have been stolen by a postal employee. In addition to filing a police report with your local authorities, I would report it to your local postmaster and see if the postal inspectors might get involved. Regardless of where it wa...
by Rupert
Mon Sep 24, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 19
Views: 1088

Re: Does health insurance cover hearing aids

The general rule is that hearing aids are not covered by health insurance, but the rule varies by state. In my state, for example, BCBS does not cover hearing aids at all, even for children. You should have some document from your insurance company -- usually called a Summary of Benefits and Coverag...
by Rupert
Sun Sep 23, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1815

Re: When is it OK to not go through car insurance after you've been hit?

Get a written estimate for the repairs. Give the estimate to the friend and ask her if she wants to pay cash or if she wants you to file a claim on her insurance.
by Rupert
Sun Sep 23, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8225

Re: Minimalist Lifestyle

Follow the in/out rule: Every time you buy something new get rid of something old. When I buy a new shirt, I throw out or donate an old shirt. When I buy a new pair of shoes, I throw out or donate an old pair of shoes. Could I live out of a suitcase? In an end-of-the-world scenario, sure. But that's...
by Rupert
Fri Sep 21, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5252

Re: State Farm nickel-and-diming me

Does anyone have any direct experience filing a diminished value claim? I've done some reading, but I assume State Farm will likely just ignore me in the hope that I go away. I'm not sure if I should just bring it up over the phone, send them a certified letter, or what? I do but not with State Far...
by Rupert
Fri Sep 21, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 26
Views: 1961

Re: New car - 0% loan or $500 rebate

You don’t need to have some car salesman giving you options. Send an email to 4 dealers with your specs (don’t use the manufacturers online configuration code) and tell them you’re paying cash. Buy from the lowest bidder. purchasing cash doesn't entice a dealer to give you the best deal. If anythin...
by Rupert
Fri Sep 21, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Can we use a 529 plan to pay for tuition for daycare and PreK programs ?
Replies: 20
Views: 6843

Re: Can we use a 529 plan to pay for tuition for daycare and PreK programs ?

Contributions are after tax at the federal level, while there may be some savings at the state level. I think for people who were not going to save for college in a 529, the savings at the state level are the benefit. They'll use the 529 as a pass-through account solely for purposes of taking advan...
by Rupert
Thu Sep 20, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1295

Re: Painting kitchen cabinet

I wouldn't recommend trying to stain them. Cabinets that were painted originally likely are made of paint-grade wood that won't look good when stained. I would instead re-paint them to your liking. It's best to spray the cabinet doors and drawer fronts because brush strokes are going to be more obvi...
by Rupert
Thu Sep 20, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: social security disability
Replies: 13
Views: 1144

Re: social security disability

Yes, he should apply for disability. If for no other reason it gets him on Medicare sooner. A 61-year-old man with documented congestive heart failure who worked a blue-collar job and was fired due to his physical impairment should have a fairly easy time qualifying for disability. It's not a quick ...
by Rupert
Wed Sep 19, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Insurance slow to pay claims post accident - options?
Replies: 5
Views: 481

Re: Insurance slow to pay claims post accident - options?

Given the situation involves felony charges (due to the amount of inflicted damage), would the State AG's office be an avenue? What about the Federal Consumer Financial Protection Bureau? I'm not opposed to send a certified letter of a concerned policy holder to the CEO (not that would help). I'm w...
by Rupert
Wed Sep 19, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3624

Re: Does this job exist (another want-to-quit-corporate-world thread)?

There's a tremendous need for forensic IT investigators/analysts in my city. You could set up a private company doing as much or as little of that sort of work as you'd like. It's sort of like being a private eye, but with computers. My law firm has a guy who does this stuff in house for us, but the...
by Rupert
Wed Sep 19, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5252

Re: State Farm nickel-and-diming me

If you believe by some magical protective cloak that your insurance company does not already know about the accident, I have a bottle of pixie dust I'll sell you. Just stop it. Let your insurance company handle the whole thing. I've had similar kinds of accidents. I report it to MY insurance compan...
by Rupert
Wed Sep 19, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5252

Re: State Farm nickel-and-diming me

Not sure why you aren't getting your insurance company involved. It's not like they can not find out about it. Some policies require you to report all claims. I don't know if it works differently in different states or with different insurance companies but in a recent accident I had (other driver ...
by Rupert
Tue Sep 18, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance...Social Security also pays?
Replies: 25
Views: 1451

Re: Life Insurance...Social Security also pays?

These are called social security survivor benefits, and, yes, you should factor them into your decision re how much life insurance you need. Note that the benefits are limited not just by the dollar amounts you quoted but also by age: your child's benefits stop at age 18 (19 if still in secondary sc...
by Rupert
Tue Sep 18, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5145

Re: 38% pay cut for dream job?

Go for it. It's not a life sentence. It's a job you can quit if it doesn't work out. I've known a number of people who were either FSOs themselves or are the children of FSOs. They're all outstanding people (smart, curious about the world), which has led me to believe (based on anecdotal evidence an...
by Rupert
Tue Sep 18, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3624

Re: Does this job exist (another want-to-quit-corporate-world thread)?

The recent (and terrible) hurricane Florence has me wondering about becoming an insurance adjuster. I know many are contractors -- how hard is it to break into this job? I don't know about the contractors, but I've applied to some adjuster positions. A lot of the reviews online sound like they are ...
by Rupert
Mon Sep 17, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Gas leak detector?
Replies: 21
Views: 1111

Re: Gas leak detector?

I'm curious if a gas detector would alert before a carbon monoxide detector would. I once smelled gas in my living room and traced it (via my nose) to a valve on an old line running to gas logs in my fireplace. I used the dish soap bubble test to confirm it was a leak and called a plumber to cap tha...
by Rupert
Mon Sep 17, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Provding SSN for Estate Planning--Why?
Replies: 22
Views: 1643

Re: Provding SSN for Estate Planning--Why?

Here's a prior thread on the topic: https://www.bogleheads.org/forum/viewtopic.php?t=164139 My opinion? A social security number is not necessary to draw up estate planning documents. It would be needed to deal with government agencies, etc., following your death, but it could be provided at that ti...
by Rupert
Mon Sep 17, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Overnight near Atlanta?
Replies: 30
Views: 1537

Re: Overnight near Atlanta?

I would not stop in Atlanta or in the Atlanta suburbs. In fact, I'd do my best to avoid driving through Atlanta at certain times of day (e.g., 4-7 p.m.). If you want a shorter trip the second day, you'll need to stay south of Atlanta anyway. You'll find all the usual chain hotels and restaurants at ...
by Rupert
Sat Sep 15, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5398

Re: Employer won't Match 401k. Why?

I tried negotiating for a full match in exchange for a commensurate reduction in nominal salary, but I got nowhere. That would be illegal -- violates ERISA. Generally speaking, they have to provide a match for everyone or no one. (There are some complicated rules relating to, e.g., executive deferr...
by Rupert
Fri Sep 14, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3803

Re: Is home alarm monitoring worth it?

I think monitoring is more valuable if your smoke/heat detectors are hard-wired into the system and in cities where the police still respond to alarms. In my city, the police respond and generally do so in about 10 minutes. The fire department is even faster (I live very near a fire station). Also, ...
by Rupert
Fri Sep 14, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: High employer contribution, still max 403b before taxable?
Replies: 30
Views: 1344

Re: High employer contribution, still max 403b before taxable?

Unless you need the liquidity of a taxable account for something in particular you're saving for (e.g. house down payment), yes it's a no-brainer, max out tax-advantaged space first before taxable. Are you 100% sure you can't roll your tIRA into your 403b, to make room for backdoor Roth? Usually on...
by Rupert
Fri Sep 14, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Any options after house fire?
Replies: 4
Views: 458

Re: Any options after house fire?

Are you asking if you are required to rebuild the house? You aren't required to do that, but your insurance settlement will likely be less than if you did rebuild. In other words, under most insurance policies, the insurance company is only required to pay you the full replacement cost of the house...
by Rupert
Fri Sep 14, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Any options after house fire?
Replies: 4
Views: 458

Re: Any options after house fire?

Are you asking if you are required to rebuild the house? You aren't required to do that, but your insurance settlement will likely be less than if you did rebuild. In other words, under most insurance policies, the insurance company is only required to pay you the full replacement cost of the house ...
by Rupert
Thu Sep 13, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to set up my own Will
Replies: 5
Views: 494

Re: How to set up my own Will

Given that your beneficiaries are foreign nationals, I don't recommend trying to do this yourself due to the practical (how to get the money to them?) and tax issues that could be involved. You should see a qualified estate planning attorney. (Edited to add: Even an experienced estate planning attor...
by Rupert
Thu Sep 13, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 2941

Re: How to determine quality of a finished new construction home

Most builders cut corners somewhere, and they're smart enough to do it in ways you won't notice for years, if ever. They may paint walls without priming them, use cheap sheathing to insulate the home and keep water out, nail (rather than bolt) the framing into the foundation, nail (rather than screw...
by Rupert
Thu Sep 13, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: 2005 honda accord door problems
Replies: 30
Views: 994

Re: 2005 honda accord door problems

I had to replace a couple of door lock actuators on my Acura TSX (first generation, which was just a European Accord) multiple times. That's very likely one of your problems. Between $200-300 to replace it around here, and I guarantee you it'll break again after breaking once. Time to start thinking...
by Rupert
Wed Sep 12, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2735

Re: Picking a Charity

It's a very personal decision. I tend to choose local charities that I feel don't get a lot of attention and that don't constantly bug me for money, e.g., the local public library, local drug rehabilitation programs, local women's shelters, local children's homes.
by Rupert
Wed Sep 12, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2495

Re: Anyone into Essential Oils?

Just say no, misterno.
by Rupert
Wed Sep 12, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1892

Re: 1 year old birthday

Clearly, some people prefer not to make memories with their kids unless their kids will remember it. I don't remember much from before I was 5. By that logic, my parents could have kept me in the basement until then and I'd be none the wiser. I could have done that with my kids. I'd have missed out...
by Rupert
Wed Sep 12, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6499

Re: Hurricane Florence - survival guide

How did the natural gas lines get damaged or water infiltrated? I would assume pipes underground were rather sheltered? I was curious about that too. I found this info at the Dept of Energy website: "Following Hurricane Irene, two local distribution companies—Orange & Rockland (O&R) in New York and...
by Rupert
Wed Sep 12, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1892

Re: 1 year old birthday

Don't have a party. He's one and will neither care about it nor remember any of it. If you simply must organize something, I suggest taking cupcakes and some fruit to daycare and having a little party with his class there.
by Rupert
Wed Sep 12, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3057

Re: Remodel for aging in place

Well, universal design advocates would build all houses with age-in-place principles in mind. If you think about it, many of the modifications for the aged are also beneficial to small children and certainly the disabled. Grab bars don't have to be ugly. The ones in my bathroom look like, and are pr...
by Rupert
Tue Sep 11, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 3835

Re: How often do you guys get alignment done on your cars?

It depends on where you live. If you live in an area where you need to call Domino's to help fixing the potholes, you will need to get alignment done at least once a year. No kidding. It does indeed. My city is known, affectionately :annoyed , as "pothole city." The alignment shops make a killing a...
by Rupert
Tue Sep 11, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: basic 529 questions for a friend's new born
Replies: 5
Views: 535

Re: basic 529 questions for a friend's new born

Direct your friend to this website: www.savingforcollege.com. It doesn't matter where the baby will grow up and go to college, as most states permit you to invest in out-of-state 529 plans without tax penalty (Alabama is the lone exception, I think). Many states offer state tax deductions for 529 co...
by Rupert
Tue Sep 11, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 3835

Re: How often do you guys get alignment done on your cars?

When I buy new tires or when I notice that the alignment is off (i.e., the car starts pulling to the right or left).
by Rupert
Tue Sep 11, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mom died, financial guidance welcome.
Replies: 21
Views: 3127

Re: Mom died, financial guidance welcome.

I'm sorry for your loss. Sometime in the next few weeks, someone needs to search through her things for any evidence of a will (e.g., correspondence with an attorney, evidence of a safe deposit box, etc.) and needs to take stock of her financial situation. Make a list of what she owes and to whom. D...
by Rupert
Tue Sep 11, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3057

Re: Remodel for aging in place

Ideally, you need to be able to live entirely on one floor. Bare minimum, you need a bedroom, a full bathroom, the kitchen, and the living room on the same floor. You need to be able to navigate that space easily using a walker or wheelchair, and you need to be able to access that space without clim...